245 Becky Ln, Mill Spring, NC 28756 Property Records

Polk County property record for 245 Becky Ln, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,843 sqft · built 2011
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on Record
Tax Bill	$1,789 (2026)
Deeds & Mortgages	Sep 2022 Line of Credit Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P92-200`

Property Details

APN / Parcel Number

Primary APN	`P92-200`
Alternative APN	`39003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,843 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Wood
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	65,340 sqft (1.5 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric

Location & Zoning

Account Number	39003
Street Address	245 BECKYS LN
City	MILL SPRING
State	NC
Zip	28756-1101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.50 ACRES, 400 400 COUNTY RURAL
Legal Subdivision	COUNTY RURAL
Jurisdiction	POLK NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1006
Census Tract	920202

Owner

Source: Polk County records, as of September 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	245 BECKYS LN, MILL SPRING, NC 28756-1101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Dec 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jan 15, 2020	Warranty Deed, Transfer · Stand-Alone Refinance STATE EMPLOYEES CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	245 BECKY LN, MILL SPRING, NC 28756-1101
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000473/306
Date	Sep 20, 2022
Book Page	473/306

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	COLUMBUS, NC 28722

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	245 BECKY LN, MILL SPRING, NC 28756-1101
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000466/24
Date	Dec 16, 2021
Book Page	466/24

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jan 1, 2027
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	8.75%
Index	5-Year CMT
Max Rate	8.75%

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jan 15, 2020
Property Address	245 BECKY LN, MILL SPRING, NC 28756-1101
Document Number	00445/2268
Book / Page	445 / 2268
Instrument Date	Jan 15, 2020
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 BECKYS LN, MILL SPRING, NC 28756-1101

Mortgage

Document Number	00445/2271
Date	Jan 15, 2020
Book Page	445/2271

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Polk County
Unified School District	Polk County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,789.00	$350,683 (-) Land $34,625 Building $316,058	$350,683 (-) Land $34,625 Building $316,058
2025	$1,789.00 (+4.25%)	$350,683 (+30.72%) Land $34,625 Building $316,058	$350,683 (+30.72%) Land $34,625 Building $316,058
2023	$1,716.00	$268,266 Land $27,500 Building $240,766
2021			$268,266 Land $27,500 Building $240,766

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 8, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 48% of the US · above 70% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Windstream DSL	100 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

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